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Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Hilton Head Island and Bluffton real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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About Appraisals >Professional Appraisals

Before your mortgage application is approved, the lender will order a professional appraisal of the home to make sure that the agreed-upon selling price is justifiable based on the current market value of the property. The cost of the appraisal will be based on the complexity of the appraisal report and the time required to complete it.

A professional appraiser will choose the appraisal technique that is applicable to the particular property to arrive at an unbiased opinion of value. One approach is to look at comparable homes in the area that have sold within the last six months. If there are a number of similar properties that have sold recently, the appraiser's job is easy. It is more complicated to arrive at the appraised value if your home is located in a rural area or a diverse neighborhood.

The appraised value will usually be very close to the sale price. If the appraisal comes in lower, the real estate agent may be able to provide the appraisers with additional information on recent sales which will result in increased value.

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Q	What is the world's oldest wooden structure?
A	The oldest wooden buildings are the Pagoda, Chumanar Gate and Temple of Horyu in Nara, Japan, dating from A.D. 670.
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June Seebohm, REALTOR®, real estate agent and broker for Hilton Head Island and Bluffton, South Carolina home listings, property and land for sale - NUMBER1EXPERT

June Seebohm
Keller Williams Realty, Hilton Head Island, SC
8 Lafayette Place
Hilton Head Island, SC. 29926
843-290-2929
843-682-8111
Fax: 843-681-3342
Email: June@AlwaysJune.com
June offers you a degree of personalized service rarely found among Realtors. Through a unique combination of devotion, compassion and good, old-fashioned hard work June has established an excellent reputation among, not only her clients but her peers as well. June is originally from Northern Ireland and has moved many times in the UK and US so she understand very well the kind of stress involved in residential sales and purchase. It's often an intense time of transition for all involved. Also her personal knowledge of building new homes and renovating homes is invaluable. Her high-tech office and staff allow immediate response to phone calls, emails and faxes. She is always "on the other end" of her cell phone. Please call her any time.

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